Put Cash Back in Your Pocket with UMass Lowell Visa Signature® Card

With Every Purchase, U.S. Bank Will Make a Contribution to UMass Lowell


The hustle and bustle – and expense – of the holiday season will be here before you know it. Start your preparations early with the UMass Lowell Visa Signature® Card. Apply today and get a $100 Statement Credit with first purchase!1
Earn Unlimited Points

This card is a great way to get the most from every purchase, because you’ll earn one reward point for every $1 in net purchases2 spent with the card. Use your UMass Lowell Visa Signature Card for everything from gas and groceries to dining and travel, and watch your points add up!

Redeem Points for Cash Back and More

You can redeem your points for valuable rewards including cash back, air travel, merchandise, gift cards, and many other options. Rewards start at just 1,500 points!

Exceptional Rewards, Valuable Benefits
  •  0% Intro APR3 on purchases and balance transfers for 12 billing cycles, and after that a variable APR, currently 9.99% - 21.99%3
  • No annual fee (based on credit worthiness)3
  • No preset spending limit,4 and no limit to the number of points you can earn
  • 24-hour concierge service5
  • VIP access to special entertainment, dining, and sporting events 
  • Signature privileges, including merchant upgrades, offers, and savings!
  • Zero Fraud Liability,6 Auto Rental Collision Damage Waiver and Travel Accident Insurance, Warranty Manager, Travel and Emergency Assistance7
Plus, with every purchase you make with the Visa Signature Card, U.S. Bank will make a contribution to UMass Lowell!

Hurry, offer ends 12/31/2012.
  1. Accounts must be open and in good standing (not past due) to earn statement credit.
  2. Net purchases are purchases minus credits and returns.
  3. The 0% introductory APR applies to purchases and is valid for the first twelve billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first twelve billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 9-01-12, the undiscounted variable APR for Purchases and Balance Transfers is 9.99% - 21.99% based on your creditworthiness. The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0 or $29. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and applicable law. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
  4. No preset spending limit does not mean unlimited spending. Individual transactions are authorized by card issuer based on factors such as account history, credit record and payment resources. Card issuer will preset an upper limit for revolving balances and cash advances.
  5. Cardmembers are responsible for the cost of any goods or services purchased by Visa Signature Concierge on cardmembers’ behalf.
  6. U.S. Bank provides zero fraud liability for unauthorized transactions. Cardmember must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
  7. Some limitations may apply. Details are provided to cardmembers.
The creditor and issuer of the UMass Lowell Card is U.S. Bank National Association ND, pursuant to a license from Visa U.S.A. Inc.
© 2012 U.S. Bank National Association ND